Everything you need to know about Health Insurance
Schedule your consultationPublic healthcare in Spain is among the best in the world and is often free for residents. Non-residents can access both public and private care, but expats do not have immediate access to the public system.
It is therefore recommended to take out temporary travel insurance upon arrival. In this guide from VIVI REAL ESTATE, you will find a comprehensive overview of the Spanish healthcare system and health insurance. You will learn:
Apart from small costs such as co-payments for prescription medicines, the public healthcare system in Spain is generally free at the point of use for citizens and legal residents. It is financed primarily through social security contributions from employees and self-employed workers, as well as general taxation, and is managed by Spain's regional health authorities. Anyone working in Spain and paying into the social security system is typically entitled to full access to public healthcare services, which cover most essential medical needs, including general practitioner visits, specialist care (with referral), hospital treatment, and emergency services.
Spouses and dependent children of insured individuals are usually also covered under the same system, allowing families to access care under one registration. In some cases, non-working residents, such as retirees or individuals with sufficient residency status and resources, may also qualify for public healthcare coverage, depending on specific legal conditions.
While the system provides broad and comprehensive care, patients may experience waiting times for non-urgent specialist appointments or elective procedures, as services are managed regionally and demand can vary. Prescription medications are partially subsidised, with patients contributing a percentage of the cost depending on income level and the type of medication. Overall, the system is designed to ensure universal access to essential healthcare for those legally resident in Spain.
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Free at the point of use, with small co-payments for some items.
Residents who contribute to Spanish social security, plus their family members.
GP visits, specialists, hospital care, emergencies and maternity.
Around 57 days for specialists and 93 days for surgeries on average.
Routine dental care is generally not covered.
Register for your Tarjeta Sanitaria. Take temporary insurance until it arrives.
Typically €100 to €200 per month for a premium policy.
Well known insurers include Sanitas, Adeslas and Asisa.
Faster appointments and a broader choice of doctors and clinics.
Search the insurer network online and book directly.
Covered when you are insured under your policy conditions.
Usually not required, but temporary coverage is essential on arrival.
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The Spanish National Health System (SNS – Servicio Nacional de la Salud) provides:
– General practitioners and pediatricians
– Nursing care and physiotherapy
– Midwives and prenatal care
– Preventive care, diagnosis, rehabilitation, and emergency services
You are assigned a general practitioner who can refer you to specialists if needed.
1. Over-the-counter medicines are available directly at pharmacies.
2. Prescription medicines must be prescribed by your doctor.
3. Children receive medicines free of charge; retirees pay 10%, and working adults up to 50% of the costs.
The Tarjeta Sanitaria can be requested at your local health center. Bring identification and proof of social security status. If you are not eligible for social security, you can apply for the Convenio Especial, which requires a monthly payment.
Although private insurance is usually not required, it provides benefits such as:
– Faster access to specialists
– Broader coverage of treatments
Popular providers include Sanitas, Adeslas, and Asisa, with average monthly premiums of €100–€200, depending on age and health.
– Public care: register at a local clinic; you are assigned a general practitioner
– Private care: search online for doctors and dentists in your area
Dental care is generally not covered by public healthcare and must be arranged privately.
– Specialist consultations: average 57 days
– Surgeries: average 93 days (varies by region)
If insured, childbirth costs are generally fully covered. Without insurance, temporary coverage is essential, especially for visas and unforeseen medical expenses.
Talk to VIVI REAL ESTATE. We guide you step by step, with complete peace of mind.
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